XYF Fundamental Analysis - X FINANCIAL-ADR

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to XYF. XYF was compared to 52 industry peers in the Consumer Finance industry. While XYF has a great profitability rating, there are some minor concerns on its financial health. XYF has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year XYF was profitable.

Of the past 5 years XYF 4 years were profitable.

Of the past 5 years XYF 4 years had a positive operating cash flow.

1.2 Ratios

XYF has a better Return On Assets (13.52%) than 94.23% of its industry peers.

The Return On Equity of XYF (21.99%) is better than 82.69% of its industry peers.

XYF has a Return On Invested Capital of 32.59%. This is amongst the best in the industry. XYF outperforms 98.08% of its industry peers.

Measured over the past 3 years, the Average Return On Invested Capital for XYF is significantly above the industry average of 10.33%.

The last Return On Invested Capital (32.59%) for XYF is above the 3 year average (16.93%), which is a sign of increasing profitability.

		Industry Rank	Sector Rank
ROA	13.52%
ROE	21.99%
ROIC	32.59%

ROA(3y)10.8%

ROA(5y)5.24%

ROE(3y)19.84%

ROE(5y)7.55%

ROIC(3y)16.93%

ROIC(5y)N/A

1.3 Margins

XYF has a Profit Margin of 24.76%. This is amongst the best in the industry. XYF outperforms 90.38% of its industry peers.

XYF's Profit Margin has been stable in the last couple of years.

XYF has a Operating Margin of 62.29%. This is amongst the best in the industry. XYF outperforms 100.00% of its industry peers.

XYF's Operating Margin has improved in the last couple of years.

XYF has a better Gross Margin (72.95%) than 67.31% of its industry peers.

XYF's Gross Margin has improved in the last couple of years.

		Industry Rank	Sector Rank
OM	62.29%
PM (TTM)	24.76%
GM	72.95%

OM growth 3Y17.63%

OM growth 5Y17.46%

PM growth 3Y4.84%

PM growth 5Y0.9%

GM growth 3Y15.35%

GM growth 5Y8.39%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so XYF is creating value.

XYF has a better debt/assets ratio than last year.

2.2 Solvency

An Altman-Z score of 3.01 indicates that XYF is not in any danger for bankruptcy at the moment.

With an excellent Altman-Z score value of 3.01, XYF belongs to the best of the industry, outperforming 84.62% of the companies in the same industry.

A Debt/Equity ratio of 0.34 indicates that XYF is not too dependend on debt financing.

With a decent Debt to Equity ratio value of 0.34, XYF is doing good in the industry, outperforming 78.85% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	N/A
Altman-Z	3.01

ROIC/WACC10.97

WACC2.97%

2.3 Liquidity

A Current Ratio of 1.50 indicates that XYF should not have too much problems paying its short term obligations.

With a Current ratio value of 1.50, XYF perfoms like the industry average, outperforming 57.69% of the companies in the same industry.

A Quick Ratio of 1.50 indicates that XYF should not have too much problems paying its short term obligations.

XYF has a Quick ratio (1.50) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Current Ratio	1.5
Quick Ratio	1.5

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 34.50% over the past year.

The Earnings Per Share has been growing by 16.75% on average over the past years. This is quite good.

Looking at the last year, XYF shows a very strong growth in Revenue. The Revenue has grown by 31.56%.

Measured over the past years, XYF shows a quite strong growth in Revenue. The Revenue has been growing by 13.71% on average per year.

EPS 1Y (TTM)34.5%

EPS 3Y28.92%

EPS 5Y16.75%

EPS Q2Q%44.26%

Revenue 1Y (TTM)31.56%

Revenue growth 3Y17.43%

Revenue growth 5Y13.71%

Sales Q2Q%60.43%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 3.41, the valuation of XYF can be described as very cheap.

XYF's Price/Earnings ratio is rather cheap when compared to the industry. XYF is cheaper than 98.08% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 26.34. XYF is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	3.41
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, XYF is valued cheaper than 92.31% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	1.74

4.3 Compensation for Growth

The excellent profitability rating of XYF may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)0.2

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 2.08%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.90, XYF pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.40, XYF has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.08%

5.2 History

XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.

Dividend Growth(5Y)N/A

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

DPN/A

EPS Next 2YN/A

EPS Next 3YN/A

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X FINANCIAL-ADR

NYSE:XYF (6/20/2025, 11:06:55 AM)

16.897

-0.42 (-2.44%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)05-19 2025-05-19

Earnings (Next)08-21 2025-08-21

Inst Owners3.95%

Inst Owner Change82.53%

Ins Owners3.05%

Ins Owner ChangeN/A

Market Cap713.21M

Analysts45

Price TargetN/A

Short Float %1.37%

Short Ratio0.19

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.08%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	3.41
Fwd PE	N/A
P/S	0.78
P/FCF	N/A
P/OCF	N/A
P/B	0.69
P/tB	0.69
EV/EBITDA	1.74

EPS(TTM)4.96

EY29.35%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS21.76

BVpS24.51

TBVpS24.39

PEG (NY)N/A

PEG (5Y)0.2

Profitability

		Industry Rank	Sector Rank
ROA	13.52%
ROE	21.99%
ROCE	43.1%
ROIC	32.59%
ROICexc	32.59%
ROICexgc	32.71%
OM	62.29%
PM (TTM)	24.76%
GM	72.95%
FCFM	N/A

ROA(3y)10.8%

ROA(5y)5.24%

ROE(3y)19.84%

ROE(5y)7.55%

ROIC(3y)16.93%

ROIC(5y)N/A

ROICexc(3y)18.79%

ROICexc(5y)N/A

ROICexgc(3y)18.94%

ROICexgc(5y)N/A

ROCE(3y)21.77%

ROCE(5y)N/A

ROICexcg growth 3Y18.75%

ROICexcg growth 5Y4.96%

ROICexc growth 3Y18.81%

ROICexc growth 5Y10.59%

OM growth 3Y17.63%

OM growth 5Y17.46%

PM growth 3Y4.84%

PM growth 5Y0.9%

GM growth 3Y15.35%

GM growth 5Y8.39%

F-ScoreN/A

Asset Turnover0.55

Health

		Industry Rank	Sector Rank
Debt/Equity	0.34
Debt/FCF	N/A
Debt/EBITDA	0.61
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	1.5
Quick Ratio	1.5
Altman-Z	3.01

F-ScoreN/A

WACC2.97%

ROIC/WACC10.97

Cap/Depr(3y)148.84%

Cap/Depr(5y)104.75%

Cap/Sales(3y)0.19%

Cap/Sales(5y)0.18%

Profit Quality(3y)68.29%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)34.5%

EPS 3Y28.92%

EPS 5Y16.75%

EPS Q2Q%44.26%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)31.56%

Revenue growth 3Y17.43%

Revenue growth 5Y13.71%

Sales Q2Q%60.43%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y63.8%

EBIT growth 3Y38.13%

EBIT growth 5Y33.57%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y87.3%

FCF growth 3Y50.06%

FCF growth 5Y20.85%

OCF growth 1Y87.07%

OCF growth 3Y50.23%

OCF growth 5Y20.46%

X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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